Search found 4415 matches

by CABob
Tue May 16, 2017 7:44 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Funds in Taxable Account
Replies: 40
Views: 5829

Re: Target Date Funds in Taxable Account

Thanks again. I always noticed the Target funds ER was always higher than the funds that comprised it. Now I understand now that you are paying the extra ER for the convenience of having it automated. If you are discussing Vanguard TR funds its ER is the exact prorated ER of the Investor class shar...
by CABob
Tue May 16, 2017 1:38 pm
Forum: Personal Finance (Not Investing)
Topic: [Unable to locate a] Will
Replies: 6
Views: 828

Re: Will

Did she have a lawyer?
Does your mother have siblings or do you have siblings that might have information?
Is there a banker or financial adviser that may have information?
by CABob
Mon May 15, 2017 6:41 pm
Forum: Investing - Theory, News & General
Topic: LifeStrategy Conservative Fund or its 4 fund equivalent
Replies: 9
Views: 1417

Re: LifeStrategy Conservative Fund or its 4 fund equivalent

Thank you all. One last question: If I had to take RMD would it make more sense to do it at the beginning, end of year or monthly from either of the 2 portfolios? Paul Just a comment about taking RMD. If you took them from the 4-fund portfolio you would also have to decided which fund or funds to t...
by CABob
Sun May 14, 2017 12:09 pm
Forum: Personal Consumer Issues
Topic: Looking for "old style" dot matrix forms 8.5" x 3.50"
Replies: 7
Views: 716

Re: Looking for "old style" dot matrix forms 8.5" x 3.50"

Will 9 1/2 by 3 2/3 work?
http://www.labeloutfitters.com/9-12-x-3-23_c_128.html
(Or by chance did you measure incorrectly?)
by CABob
Sat May 13, 2017 10:41 pm
Forum: Personal Finance (Not Investing)
Topic: Credit Card Refund
Replies: 1
Views: 408

Re: Credit Card Refund

If you made a purchase and charged it to your credit card it will show up increasing the balance owed and a payment would be due based on the balance. If you returned a purchase typically there would be a credit on your card balance. I don't believe that this credit would reduce the amount owed on t...
by CABob
Sat May 13, 2017 11:08 am
Forum: Personal Consumer Issues
Topic: Cheapest voice only, low minutes cell service
Replies: 11
Views: 1947

Re: Cheapest voice only, low minutes cell service

Consider Page Plus Cellular. They use the Verizon network and have a pay-as-you-go plan for $10 for 4 months. this is for 3G phones only.
by CABob
Tue May 09, 2017 11:36 am
Forum: Personal Consumer Issues
Topic: Sunscreen for men in office environment
Replies: 25
Views: 3581

Re: Sunscreen for men in office environment

Neutrogena Face Lotion?
A number of the hand and body lotions (Lubriderm for example) have SPF ratings.
by CABob
Mon May 08, 2017 7:02 pm
Forum: Personal Finance (Not Investing)
Topic: Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]
Replies: 10
Views: 752

Re: Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]

I wonder if it has anything to do with an outdated browser and/or functioning ad blocker. It could even have something to do with an obsolete plug-in like Adobe Flash or something else. In order to test this, one might try on another computer or another browser. Eureka! I was using Chrome and appar...
by CABob
Mon May 08, 2017 4:37 pm
Forum: Personal Finance (Not Investing)
Topic: Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]
Replies: 10
Views: 752

Re: Search function on Vanguard.com

Working for me at the moment. Maybe this is the info you were looking for: https://investor.vanguard.com/investing/taxes/required-minimum-distributions Thanks to all who responded, but my question had to do with the search function on Vanguard.com not with the details of QCD. The link referenced ab...
by CABob
Mon May 08, 2017 12:51 pm
Forum: Personal Finance (Not Investing)
Topic: Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]
Replies: 10
Views: 752

Search function on Vanguard.com [Qualified Charitable Distributions (QCD)]

I just tried to do a search on the Vanguard site and got the message that the search function was not available. I seemed to recall that a similar thing happened a few days ago. Is anyone else having a problem with the search function? It appears that it works for finding fund information but not fo...
by CABob
Sun May 07, 2017 10:56 pm
Forum: Investing - Help with Personal Investments
Topic: Need Discount Broker Recommendation
Replies: 8
Views: 1043

Re: Need Discount Broker Recommendation

Does your friend actually have a company in mind? If he does have you checked to see if it is a publicly traded company? From what I have seen and heard (which isn't much) most of the companies are small and privately held. And since there is disagreement on legality between the feds and states I wo...
by CABob
Sun May 07, 2017 9:40 pm
Forum: Personal Finance (Not Investing)
Topic: Will and Estranged Child advice
Replies: 44
Views: 4799

Re: Will and Estranged Child advice

Just for clarification for those of us mentally challenged, how may children do you have (two, I think)? Is the estranged child the older or younger? How long has it been since the children completed their education and how long ago did the estrangement occur.
by CABob
Sun May 07, 2017 9:30 pm
Forum: Investing - Help with Personal Investments
Topic: Target Date Fund reallocation tax strategy
Replies: 4
Views: 560

Re: Target Date Fund reallocation tax strategy

The TR 2045 fund has a small allocation to bonds (10% or so) so its tax inefficiency has a very small effect. Given your tax situation I would be inclined to just accept the inefficiency. You might consider stopping your new contributions to this fund in this account and instead add another fund for...
by CABob
Fri May 05, 2017 2:45 pm
Forum: Investing - Theory, News & General
Topic: Tips From Older Bogleheads?
Replies: 52
Views: 5639

Re: Tips From Older Bogleheads?

The 10 commandments by Jonathan Clements is pretty good.
viewtopic.php?f=10&t=218190&newpost=3356970
by CABob
Tue May 02, 2017 2:53 pm
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 4144

Re: Great knife for slicing limes and raw potatoes

dk240t wrote:Still trying to figure out what meal OP only needs to cut limes and potatoes for...
Lime and potato casserole? :twisted:
I use a boning knife more often than a chefs knife. Which goes back to my original reply of it being a very personal decision.
by CABob
Tue May 02, 2017 10:51 am
Forum: Personal Consumer Issues
Topic: Great knife for slicing limes and raw potatoes
Replies: 56
Views: 4144

Re: Great knife for slicing limes and raw potatoes

Knives are kind of a personal thing. There are a number of good quality knives available. My advice would be to not go cheap and try it out for feel before you buy. We have had a set of Chicago wood handled knives for about 30 years. They were US made but I'm not sure Chicago is US made any more. Th...
by CABob
Sun Apr 30, 2017 11:32 am
Forum: Investing - Help with Personal Investments
Topic: Vanguard: Buy in Shares instead of Buy in Dollars?
Replies: 22
Views: 3076

Re: Vanguard: Buy in Shares instead of Buy in Dollars?

I think I know what you are trying to do and it would be nice to be able to say that $x were purchased on the DOB but if you told a little white lie and were off by a few dollars would any harm be done? I don't think the message you will be trying to send will be diminished. :twisted:
by CABob
Fri Apr 28, 2017 2:23 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 126
Views: 23775

Re: Vanguard has switched to brokerage only accounts

Perhaps you are not thinking of the new upgraded brokerage system that everyone is "itching" about. :D Perhaps you are right since my mutual fund accounts have not been upgraded to the "new and improved" accounts. In reading this conversation and others I'm not real anxious to make the conversion, ...
by CABob
Fri Apr 28, 2017 12:25 pm
Forum: Investing - Theory, News & General
Topic: Vanguard has switched to brokerage only accounts
Replies: 126
Views: 23775

Re: Vanguard has switched to brokerage only accounts

Bogleheads don't make mutual fund investments through their bank so why should they want to write checks on their investment accounts? :? Because it is a convenient way to move money from my VG money market fund to my checking (or other) account. Also a convient way to pay a bill that is a bit too ...
by CABob
Thu Apr 27, 2017 11:34 am
Forum: Investing - Theory, News & General
Topic: New look at vanguard.com
Replies: 5
Views: 1006

Re: New look at vanguard.com

Does this mean I will have a couple of months of searching for the old features?
by CABob
Mon Apr 24, 2017 3:21 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 6727

Re: Six pack for barbecue?

Loik098 wrote:I think the barbecue is over by now... :sharebeer
And they probably ran out of beer if all they had was the 6 (or 12) that the OP brought. :greedy :annoyed
But I really want a report back from the OP.
by CABob
Sun Apr 23, 2017 2:32 pm
Forum: Personal Consumer Issues
Topic: Refrigerator Water Filters -- OEM or Generic?
Replies: 26
Views: 33736

Re: Refrigerator Water Filters -- OEM or Generic?

I have used both OEM and generic and have found no difference. If you are looking at other sources I have used Filters Fast and have been satisfied.
by CABob
Sun Apr 23, 2017 1:32 pm
Forum: Personal Finance (Not Investing)
Topic: typical deductions for retirees
Replies: 27
Views: 3131

Re: typical deductions for retirees

A portion of your automobile license fee may be a form of property tax which would be deductible. Do you spend some time volunteering for a charitable organization? Your mileage to and from may be deductible. Under medical don't forget dentists and optometrists. I have been retired for a number of y...
by CABob
Sat Apr 22, 2017 2:12 pm
Forum: Investing - Help with Personal Investments
Topic: Tax sheltered accounts - tax efficiency vs. growth
Replies: 4
Views: 666

Re: Tax sheltered accounts - tax efficiency vs. growth

Perhaps you have misinterpreted "common advice". What I think you may have heard is that tax inefficient investments such as bonds and REITs should go into tax advantaged accounts. Very tax efficient investments such as broad based index fund should go into taxable accounts. Anything else can go int...
by CABob
Sat Apr 22, 2017 12:49 pm
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 6727

Re: Six pack for barbecue?

(Some places will allow you to build your own six- or twelve packs-- since you don't seem to have a full knowledge of beers, you might ask a more knowledgeable clerk at a store to help build a good assortment. ) Good idea for trying different beers at home but I'm not so sure about at a party. Some...
by CABob
Sat Apr 22, 2017 11:42 am
Forum: Personal Consumer Issues
Topic: Six pack for barbecue?
Replies: 77
Views: 6727

Re: Six pack for barbecue?

I've agreed to buy a six-pack of beer for a friend's BBQ tomorrow, but I am not sure what exactly this means. Those who know, could you please help me out with this: Should I buy bottled or canned beer? Bottled with a possible exception if it is a pool party. And make sure it is well iced. What kin...
by CABob
Sat Apr 22, 2017 11:23 am
Forum: Investing - Theory, News & General
Topic: Index investing question
Replies: 22
Views: 2015

Re: Index investing question

Don't forget that in addition to all of the active funds available there are a lot of individuals and institutions that own direct shares of equity stocks that are trying to buy low and sell high. I don't think it would take a large number of these stock holders to keep the index market generally ef...
by CABob
Tue Apr 18, 2017 2:52 pm
Forum: Personal Consumer Issues
Topic: How to make best use of lunch with the company president/CEO?
Replies: 55
Views: 6717

Re: How to make best use of lunch with the company president/CEO?

I would guess that the boss has a number of these throughout the year and quite likely has something in mind to initiate the conversation. Let him do it and take your cue from it to frame your questions. Of course, it you have a burning issue you want to discuss, go for it, you may not often have th...
by CABob
Mon Apr 17, 2017 11:12 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 9938

Re: Hearing aid 101

hearing loss because of not hearing clearly I believe that this is my problem and I haven't really found a satisfactory solution. I was out visiting friends recently who were showing me their new Amazon Echo. I had difficulty understanding Alexa even at a fairly high volume level. A few evenings pr...
by CABob
Mon Apr 17, 2017 8:10 pm
Forum: Personal Consumer Issues
Topic: Hearing aid 101
Replies: 95
Views: 9938

Re: Hearing aid 101

hearing loss because of not hearing clearly I believe that this is my problem and I haven't really found a satisfactory solution. I was out visiting friends recently who were showing me their new Amazon Echo. I had difficulty understanding Alexa even at a fairly high volume level. A few evenings pr...
by CABob
Mon Apr 17, 2017 12:23 pm
Forum: Personal Finance (Not Investing)
Topic: Closing my oldest credit card
Replies: 19
Views: 2387

Re: Closing my oldest credit card

Some thoughts -- Moving out of state and closing a bank account doesn't seem to me to be a reason to cancel a credit card. Closing the account will reduce your available credit and raise you usage percentage. Closing the oldest account is bound to affect your credit score to some extent either now o...
by CABob
Sun Apr 16, 2017 11:02 am
Forum: Investing - Help with Personal Investments
Topic: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)
Replies: 9
Views: 944

Re: Which funds should be in my taxable account? (401k and Roth IRA are in target funds)

What I consider the easy and tax efficient way would be to put only a total stock market fund in the taxable account. Generally bond and REIT funds should not be in taxable accounts. If that puts your asset allocation for domestic stock at too high a level you could adjust your tax advantaged accoun...
by CABob
Sat Apr 15, 2017 11:33 pm
Forum: Personal Consumer Issues
Topic: Budget multitool knife
Replies: 28
Views: 3212

Re: Budget multitool knife

I have several of these both budget models and name brands. They are all very nice except that I seldom if ever use them. I have found that these things that do a lot of things don't do anything very well. I suggest that you might be better served by having a screwdriver like this , a folding knife,...
by CABob
Sat Apr 15, 2017 12:06 pm
Forum: Personal Consumer Issues
Topic: Washer/dryer suggestions?
Replies: 43
Views: 4065

Re: Washer/dryer suggestions?

We have a Maytag top loading high efficiency washer and I am less than thrilled with it. It makes a lot of funny noises and the lid locks so I can't really see what is going on during the wash/rinse cycles. We have had a repair guy out two or three times in four years we have had it. We also have a ...
by CABob
Fri Apr 14, 2017 11:07 pm
Forum: Investing - Help with Personal Investments
Topic: Best for Scottrade transfer?
Replies: 14
Views: 2187

Re: Best for Scottrade transfer?

I haven't heard any news since the original announcement of the acquisition/merger.
I am wondering if they intend to operate as a single firm or whether they plan to keep both names active. I may be looking for a broker if I don't like what the new firm looks like and their policies.
by CABob
Fri Apr 14, 2017 3:22 pm
Forum: Personal Finance (Not Investing)
Topic: How do you cultivate friends with the same financial means as yourself?
Replies: 4
Views: 958

Re: How do you cultivate friends with the same financial means as yourself?

I don't use financial status or outlook as a criteria for friendship. Consequently, I don't really know if my friends have similar financial means or interests. OTOH the occasion does not arise to seek the friendship of a homeless person on skid row. Similarly if my interests and activities do not i...
by CABob
Wed Apr 12, 2017 12:50 pm
Forum: Investing - Theory, News & General
Topic: NBC News: First Pot-Focused Fund Lets Americans Legally Invest In Hot Biz
Replies: 13
Views: 2166

Re: NBC News: First Pot-Focused Fund Lets Americans Legally Invest In Hot Biz

What's the ER on this fund, out of curiosity?
Management fee of 0.70% per the article. Is that the same as the ER? Learn something new every day -- I didn't even know there was a North American Medical Marijuana Index.
by CABob
Tue Apr 11, 2017 12:37 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard RMD Service
Replies: 9
Views: 1370

Re: Vanguard RMD Service

HueyLD wrote:Page 14 under "distribution options."
Thanks, Huey.
I was not aware of that. It sounds like a possible reason not to hold ETFs or non-Vanguard funds in a Vanguard IRA. Not an insurmountable problem but perhaps a nuisance.
by CABob
Tue Apr 11, 2017 12:18 pm
Forum: Investing - Help with Personal Investments
Topic: Vanguard RMD Service
Replies: 9
Views: 1370

Re: Vanguard RMD Service

HueyLD wrote:You can take your RMD amount only from Vanguard mutual funds.

See https://personal.vanguard.com/pdf/s316.pdf?2210068614
You may be correct, but I didn't see that as a restriction or requirement in the link provided. Can you provide a page or paragraph reference?
by CABob
Mon Apr 10, 2017 5:15 pm
Forum: Investing - Theory, News & General
Topic: one last stupid question [What are "cash equivalents"?]
Replies: 44
Views: 4748

Re: one last stupid question [What are "cash equivalents"?]

I wouldn't think of EE savings bonds as cash unless they are about to hit their 20 or 30 year maturity date. Current EE bonds offer such paltry interest rates they're only worthwhile if you're going to hold them for 20 years. As for older EE bonds, why would you want to liquidate bonds with such go...
by CABob
Mon Apr 10, 2017 3:00 pm
Forum: Investing - Theory, News & General
Topic: one last stupid question [What are "cash equivalents"?]
Replies: 44
Views: 4748

Re: one last stupid question [What are "cash equivalents"?]

Cash equivalent is a term commonly used in accounting. According to one source the definitiion is: Cash Equivalent Definition: A cash equivalent is a highly liquid investment having a maturity of three months or less. it should be at minimal risk of a change in value. Examples of cash equivalents ar...
by CABob
Mon Apr 10, 2017 11:12 am
Forum: Investing - Help with Personal Investments
Topic: living trust vs will books
Replies: 4
Views: 704

Re: living trust vs will books

It depends on what you are trying to accomplish and a number of things personal to you plus your state of residence.
As for a book I suggest Beyond the Grave by Condon. I see that there is a $1.99 price on the Kindle edition currently.
by CABob
Sat Apr 08, 2017 2:14 pm
Forum: Investing - Help with Personal Investments
Topic: Anyone else own balanced index fund? [vbinx]
Replies: 26
Views: 4332

Re: Anyone else own balanced index fund? [vbinx]

I have been looking at the balanced index fund and am considering transferring into it with a TIRA. I have noticed that the turnover ratio seemed high (something over 40% as I recall). Can anyone address this? Is it because of the bond portion with the need to replace maturing bonds? I also have a c...
by CABob
Fri Apr 07, 2017 5:10 pm
Forum: Personal Consumer Issues
Topic: Top tape measures
Replies: 30
Views: 2416

Re: Top tape measures

I have the cheap Bosch one and I find it does the job well for under $30: https://www.amazon.com/Bosch-GLM-10-Compact-Measure/dp/B01KMCFYU6/ref=pd_lpo_469_bs_t_2/140-0908890-8548658?_encoding=UTF8&psc=1&refRID=BQVPDRYHQ62PEZ2ZAB2W For those who use a laser measure, are they accurate enough to cut a...
by CABob
Fri Apr 07, 2017 2:20 pm
Forum: Personal Consumer Issues
Topic: cannot login to any of my financial websites
Replies: 13
Views: 1285

Re: cannot login to any of my financial websites

I have found that closing down my computer then booting up again and into your browser often does magic.
by CABob
Fri Apr 07, 2017 12:33 pm
Forum: Personal Consumer Issues
Topic: Phone affects credit card?
Replies: 7
Views: 1212

Re: Phone affects credit card?

A merchant finally told me that they build up static electricity on the swipe part
To me that sounds more plausible than the cell phone story, but what do I know.
by CABob
Thu Apr 06, 2017 10:37 pm
Forum: Personal Finance (Not Investing)
Topic: Article--Money Funds Yielding Over 1.​0 Percent Makes News; More Coming Soon
Replies: 21
Views: 3256

Re: Article--Money Funds Yielding Over 1.​0 Percent Makes News; More Coming Soon

This just in. Well, actually, it's months old: Capital One 360 Money Market--a plain-ordinary Internet bank savings account-- currently earns 1% if the balance is $10,000 or higher. It is at least as safe as a money market fund. It has FDIC deposit insurance. And it is a consumer account, not an in...
by CABob
Thu Apr 06, 2017 8:19 pm
Forum: Personal Consumer Issues
Topic: Phone affects credit card?
Replies: 7
Views: 1212

Phone affects credit card?

DW was recently out shopping and had trouble with two merchants and two credit cards. They were chip cards that the merchant's scanner could not read. The clerk claimed that if the cards were close to her phone in her purse it might affect the readability of the card. DW said at the clerks suggestio...
by CABob
Thu Apr 06, 2017 7:00 pm
Forum: Investing - Help with Personal Investments
Topic: Determining Dividends from Life Strategy Fund
Replies: 10
Views: 719

Re: Determining Dividends from Life Strategy Fund

https://personal.vanguard.com/us/funds/ ... 0724#tab=4
If you go to the Vanguard site looking for fund information there is a Distributions tab which should give that information.